Car finance for wife

[AudiMan9000]

My wife does not work and I am the sole bread winner. I am aware that I cannot get car finance in my name for a car that will be exclusively/substantially driven by her. But can she get car finance in her own name without any income, on the basis our joint income (my wages) will cover the monthly payments? She will have a good credit rating.

[AudiMan9000]

If I took finance out for someone else’s car, this would be known as ‘fronting’ i.e. fraud. Google it if you don’t believe me.

[AudiMan9000]

https://www.thecarexpert.co.uk/taking-car-finance-...

[AudiMan9000]

I appreciate the responses but they don’t in anyway accord with the article I posted. It’s not a case of what you believe/want to believe or what the dealer tells you or is okay with. It’s a question of what declarations you’re signing when you apply for finance...principally that you will be the registered keeper/main driver of the vehicle.

[AudiMan9000]

But as per my original question, is there anything to stop her getting PCP in her own name without any income? We don’t use a joint bank account if that makes any difference.

[AudiMan9000]

As an ‘accommodation deal’, it sounds like it would depend on the terms and conditions of the dealer finance, which might therefore limit which brands can be chosen from.

[AudiMan9000]

Thank you. It’s not a problem really, just wondering where we’ll stand when current PCP runs out as that was taken out in her own name when she was employed. Sounds like it won’t be an issue whichever way you look at it. Thanks for everyone’s help/input.